I HAVE THE FOLLOWING IN PORTFOLIO. PLEASE SUGGEST WHICH ONE TO STAY INVESTED AND WHICH ONE TO EXIT. bajaj finserv 20 bajaj hind 250 cg power 20 gm infra 100 godrej agro 10 hdfc life 20 hyundai 7 it bees 200 lodha 10 nifty bees 60 parag milk 50 pnb housing 16 psu bank bees 150 shriram finance 5 suzlon 100 tata motors 60 thanks

Ans: Hello;

Sell some of your asset like land, gold or vehicle to repay the loan on priority.

Don't borrow to repay existing loans. Restructure the loans or seek a moratorium till you get a job.

Borrow funds from family and friends explaining your mistakes and promise to repay once you get another job.

Keep in mind the old saying to cut your cloth as per your size and act accordingly.

Best wishes;

Ans: With 98 percentile in JEE Mains and OBC-NCL category, you have a very good chance of getting a seat in NITs for CSE or ECE. However, the exact NIT and branch will depend on the JoSAA cutoff ranks. See previous years' cut off

Ans: Hello Viky
You are eligible for JEE (Adv) and there will be no effect on the counseling process provided that you must fulfill all the criteria laid by the IIT institutions.

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Radheshyam

Ans: Hello Accounts
Your son has a chance to get admission to NITs or IIITs preferably in CSE or computer-related branches. Best of luck to your son.
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Thanks
Radheshyam

Ans: Landowner is liable to pay Income Tax for the portion he is surrendering to the builder. Sale Consideration will be considered as value of developed area on stamp duty rate, you have retained after its Redevelopment.
Most welcome for any further clarifications. Thanks.

Ans: Yes. You are liable to pay Income Tax for the portion you are surrendering to the builder. Sale Consideration will be considered as value of developed area on stamp duty rate, you have retained after its Redevelopment.
Most welcome for any further clarifications. Thanks.

Ans: Depends on others performance and choice, slim chance, improve Basics and score

Ans: 01. When your father sells a plot in India, he would be subject to Capital Gain Tax (may be Long Term or Short Term), under the I.T.Act.
02. TCS will be collected/deducted, when your father transfer you money.
03. TCS deducted can be claimed back by filing his ITR. Amount of TCS shall be refunded after adjustment of due taxes in his ITR.
04. Please note that both these transactions should be done in the same financial year.
Most welcome for any further clarifications. Thanks.

Ans: It sounds like you’re facing a deep internal conflict - one between fear and love, between logic and emotion. And that’s completely human. Ask yourself - What are you truly afraid of? Is it the uncertainty of the future? The possibility of judgment? Or is it the weight of responsibility that love brings?
Relationships are rarely about guarantees. They’re about choices - choosing to stand by someone despite the unknowns, despite the imperfections. But the real question isn’t about her condition. It’s about you. What do you value more - certainty or connection? Fear or commitment? What kind of partner do you want to be, not just for her, but for yourself?
Because in the end, it’s not about genetics. It’s about who you choose to be when faced with uncertainty. So, who do you want to become?
Wishing you success,
Aamish Dhingra
ICF-PCC Certified Life Coach
Co-Founder, Cocoweave Coaching International, Delhi